BHIM Refer and Earn: Get a Flat ₹20 Cashback & Your Friend Gets ₹10! (Latest Offer)

In this article, we will talk about BHIM refer and earn program with that you can earn up to ₹200 cashback by inviting 10 friends to join BHIM. Your friend will receive ₹10 cashback on completing first UPI transaction. Check details below.

Are you looking for an easy way to earn cash back while helping a friend go digital? The BHIM app’s “Refer and Earn” program is exactly what you need. It’s an excellent opportunity for both new and existing users to get rewarded for a simple action.

As of October 2025, you will get a flat ₹20 cashback for every friend you successfully refer, and your friend gets a bonus too. Let’s understand how to earn via BHIM refer and earn program.

See also:  Best UPI Apps for Cashback in India (October 2025 Update)

How the BHIM Refer and Earn Program Works

The BHIM Refer and Earn program is designed to be a win-win for everyone. An existing user invites a new friend to join the BHIM app. When that friend completes their first qualifying transaction, both of you receive a cash bonus directly in your bank accounts linked to the app.

This program is open to all users, and the process is straightforward. Here’s a breakdown of what you need to do, whether you are a new user or an existing one.

For New Users: How to Join BHIM and Get Your ₹10 Cashback

If you are not yet on the BHIM application, you have a fantastic opportunity to start your digital payments journey with a bonus.

Here’s how to claim your flat ₹10 cash back:

• Join the App: Download the BHIM application from your app store and begin the registration process.
• Enter the Referral Code: During registration, look for the “Invitation Code” or “Referral Code” option. This is where you need to enter the referral code provided by your friend. Use the code XYZ during this step.
• Complete Registration: Finish the registration process by linking your bank account.
• Make a Qualifying Payment: To be eligible for the bonus, you must make a minimum payment of ₹100. This payment must be for a food or grocery purchase. For example, a transaction on popular platforms like JioMart or InstaMart would qualify.
• Receive Your Bonus: Upon completing your first successful qualifying payment, your flat ₹10 referral bonus will be credited to your account.

For Existing Users: How to Refer Friends and Earn Your ₹20 Cashback

Already using BHIM? You can start earning by inviting new friends to join. The process is simple, and you can earn cash for each successful referral.

Here’s what you need to do:

• Find Your Referral Section: Open the BHIM application and navigate to the “Refer and Earn” section. You will find your unique referral code or invitation link there.
• Send an Invitation: You can send an invitation to your contacts who are not on the BHIM app.
• Your Friend’s Actions: Your friend needs to join the app using your invitation. The most critical step is for them to complete a successful payment of at least ₹100 on a food or grocery transaction.
• Get Your Reward: Once your referred friend has completed their qualifying payment, you will receive a flat ₹20 cash back for that referral.
• Earning Limit: Under this program, you can earn up to a maximum of ₹100. This means you can get the referral bonus for a maximum of 10 people.

See also: Navi Refer and Earn: Get Rs. 100/Refer

Addition Details

• Offer is for all users: This program is open to both new and existing BHIM users.
• Minimum Transaction: The referred user must make a minimum payment of ₹100.
• Transaction Category: The payment must be for food or grocery.
• Cashback Amounts: The referrer receives ₹20 cash back, and the referred friend receives ₹10.
• Maximum Earning: A single user can earn a maximum of ₹200 from this program by successfully referring 10 people.

See also: Paytm Referral Code for Old Users 

FAQ

What is a qualifying payment?

A qualifying payment is a minimum transaction of ₹100 made for a food or grocery purchase using the BHIM app.

How many friends can I invite?

You can invite as many friends as you want, but you will only receive the cash back bonus for up to 10 successful referrals under this program, for a maximum earning of ₹200.

What if I don’t receive my referral credit?

If you have not received your referral bonus and are facing an issue, you can reach out to the official support team by writing to support@npci.org.in.

Don’t wait! Take advantage of this fantastic BHIM refer and earn offer and start earning cash back today.

You can check, BHIM refer and earn program’s official terms on BHIM offer page.